NCB Query

This is a discussion on NCB Query within Indian Car Loans & Insurance, part of the Team-BHP Reviews category; Hi
I have a Swift DDSi purchased in Feb.
I have already made in claim for 8k in March, I ...

I have already made in claim for 8k in March, I have a small scratch which is not mandatory to be removed. But the scratch is visble and runs from rear door to fender, so repainting it shd be 10+k I think.

Having lost the NCB already, will I loose further if I go for another claim? If I am not going to loose anymore I was planning to go for a second claim.

I guess you've lost your NCB. You can go in for another claim. But since youve purchased your car in Feb, this would be your 2nd claim in just 4 months of insurance. This will impact your premium next year(they always go through your history of claims while renewing your policy).

Since you have said its not mandatory to remove the scratch, I feel its better that you wait for some more time and then claim it. In case there are any more damages to the rear door + fender, everything can be done at one go.

You have already lost your NCB in the first year of the policy, so you can go ahead and make a claim. Just ensure that the scratch is significant enough to warrant a paint job else leave it as it is. Not good to repaint a new car.

Quote:

Originally Posted by wanderernomad

Wait till about the term of the present insurance is about to run out..then claim and then switch the insurance firm.

I agree with GTO .. Dont go for a repaint until and unless its really necessary.. I know its a new car and how much it pinches to see that scratch , but still if you can manage with it then dont go for the repaint job